Bellingham cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexBellinghamMassachusettsNational
Cost of living index126130100
IndexBellinghamMassachusettsNational
Goods & Services index123111100
Groceries index111113100
Health care index117111100
Housing index142167100
Transportation index111117100
Utilities index126126100
A general summary of the cost of living index in Bellingham, MA is shown above. Compared to the state average of Massachusetts the cost of living index in Bellingham, MA is 126, which is 3% lower than the average in Massachusetts and compared to the national average it is 26% higher than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Bellingham, MA goods and services come in at 11% higher than the average in Massachusetts and are 23% higher than compared to the nationwide average.

Did you know?

  • The cost of living in Bellingham is 3% lower than the Massachusetts average.
  • The cost of living in Bellingham is 26% higher than the national average.
  • The cost of housing in Bellingham is 42% higher than the national average.
  • Massachusetts general sales tax is 23% higher than the national average.
  • Massachusetts state income tax is 132% higher than the national average.

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Salary Calculator

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Use the salary calculator to compare your current salary in Bellingham, MA to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Bellingham, MA, then you would need to earn more income in order to maintain the same standard of living. To use the Bellingham, MA salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$74,250$6,188$1,732$2,228
Renters$71,953$5,996$1,679$2,159
If you want to find a good determining factor for the cost of living and the general affordability of housing in Bellingham, MA, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Bellingham, MA, the median monthly income is $74,250 for those who own their own homes. Under the standard rule, that income level would allow for $1,732 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $71,953, per the median income in the area. That would allow for renters to spend up to $1,679 on monthly rental expenses.

Massachusetts Sales Tax

StateGeneral Sales TaxWith Max Surtax
Massachusetts6.25%6.25%

Massachusetts Income Tax

StateIncome Tax (Low)Income Tax (High)
Massachusetts5.15%5.15%
When you are determining the total cost of living in Bellingham, MA you will want to make sure you consider both the Massachusetts sales tax and the Massachusetts income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Massachusetts is 6.25%, with the highest surtax being 6.25%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Massachusetts have a range from 5.15% to 5.15%.

Goods & Services

ItemBellinghamNational avg.Difference
Haircut $15.00$14.592.8%
Beauty Salon $40.00$34.6815.3%
Toothpaste $2.50$2.471.1%
Shampoo $1.25$1.0222.3%
Movie $11.75$9.8719.1%
Bowling $4.75$4.398.2%

Groceries

ItemBellinghamNational avg.Difference
Ground Beef $4.49$4.480.3%
Fried Chicken $1.59$1.468.6%
Milk $3.39$2.3643.8%
Potatoes $3.99$3.0630.3%
Pizza $8.50$9.248.0%
Beer $8.32$8.633.6%

Health Care

ItemBellinghamNational avg.Difference
Optometrist $125.00$99.7825.3%
Doctor $149.00$105.0341.9%
Dentist $98.00$88.7010.5%
Ibuprofen $10.25$9.418.9%
Lipitor $293.99$298.501.5%

Housing

ItemBellinghamNational avg.Difference
Home Price $247,700.00$175,700.0041.0%
Avg. Mortgage Payment $1,392.30$1,081.0328.8%
Apartment Rent $1,332.00$920.0044.8%

Transportation

ItemBellinghamNational avg.Difference
Gasoline $2.33$2.0911.4%
Tire Balancing $49.00$45.298.2%

Utilities

ItemBellinghamNational avg.Difference
All Electricity$213.54$170.8025.0%
Phone $36.19$28.2628.1%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Central Falls, RI19,40611111%
Woonsocket, RI41,13611111%
Pawtucket, RI71,31311212%
Chepachet, RI1,51011515%
Pascoag, RI4,31011616%
Bellingham, MA5,05512626%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Deale, MD5,05713030%
Colona, IL5,05787-13%
Bear Valley Springs, CA5,05811717%
Chittenango, NY5,05294-6%
Morganville, NJ5,05217070%
Bellingham, MA5,05512626%
Source: The Bellingham, MA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.